| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IPS ADVISORS3 | 10000 N CENTRAL EXPY STE 1100 DALLAS, TX 75231 | ARMADACARE | $319 | — | $319 | 0.39% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N CENTRAL EXPY STE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| IPS ADVISORS3 | 10000 N CENTRAL EXPY STE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC | 10000 N CENTRAL EXPY STE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC | 10000 N CENTRAL EXPY STE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IPS ADVISORS INC CONSULTANT | Insurance agents and brokers Service code 22 | 10000 N CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | $19K |
| EDWARDS AND LEATHERS, P.C. EIN 20-8739519 AUDITOR | Accounting (including auditing) Service code 10 | 606 ROLLINGBROOK SUITE 1J BAYTOWN, TX 77522 | $8K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 278 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 278 | $176K |
| Dental | MERITAIN HEALTH | 278 | $176K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $35K |
| Prescription drug | MERITAIN HEALTH | 278 | $176K |
| Other(5 contracts, 3 carriers) | MERITAIN HEALTH | 307 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.